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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,940 | $84,236-31.2% | $170,435-66.0% | $70,126-17.4% |
| Participation rate | 90.0% | 70.8%+19.2pp | 83.6%+6.4pp | 69.5%+20.5pp |
| Annual return | 10.64% | 23.06%-12.4pp | 205.94%-195.3pp | 73.15%-62.5pp |
| Employer contribution / active EE | $5,269 | $3,387+55.6% | $5,432-3.0% | $2,343+124.9% |
| Participant deferral / active EE | $3,926 | $3,086+27.2% | $4,939-20.5% | $3,332+17.8% |
| Admin fee / account holder | $7,159 | $5,698+25.6% | $13,881-48.4% | $4,645+54.1% |